Our goal is to help you develop a healthy relationship with money.  We are a not-for-profit, which means our priority is you, not profits. Yes, we have services that are not free, but our experienced staff is solely focused on helping you achieve your goals…helping you thrive! 

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Location, location, location. Our members have access to an amazing mobile app that allows you to make a deposit by simply taking a picture of your check, but sometimes you need to speak with someone in person.  That’s why we have 31 branches in our 16-county charter area. 10 of our branches are located in Food City, Kroger's, and Walmart and offer extended hours.  

Also, ORNL FCU members can now make check and cash deposits 24/7 at any of our Deposit ATMs.





Save up to $15 now on
turbotax paid products

We've teamed up with TurboTax® so that you can "get our maximum refund—guaranteed." Plus, ORNL FCU members can save up to $15 on paid products. There are zero hidden costs, so get started now!


sprint's best credit union member cash rewards offer ever!

Members receive:

  • $100 cash reward for every new line activated
  • $50 for each line they transfer into Sprint Credit Union Member Cash Rewards
  • New and existing Sprint customers will get a $50 loyalty card reward every year for every line they have
  • Same offer available for individual and business members
  • Valid in conjunction with most Sprint promotions


...and much more!!

Credit Union members receive many more exclusive discounts and benefits from trusted partners through the Love My Credit Union Rewards program. Start saving today—the more offers you take advantage of, the more you save!



Amazing mobile app

We do not like to brag, but our mobile app is an exception. Mobile check deposit, Quick Balance viewing, and Focus Money Manager are a few features that separate ORNL FCU from the pack.


Apple Pay

We didn’t build it, but we were one of the first to integrate it.  Apple Pay is available for all ORNL FCU debit and credit cards.


Interactive Teller Machines

Remember when credit cards were new?  This new technology combines the convenience of an ATM with the personal service of a live teller.



No Hidden Fees

Unlike banks, we don’t have gotcha fees.  With any Spending account, you get access to 30,000 surcharge-free ATMs, Online Banking, e-statements, an amazing mobile app, and more.  

If you are with any other Financial Institution, you are missing out.

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Low Rates

Most credit unions offer extremely attractive rates, and many of our vehicle and home mortgage rates are in the top tier of the market.

We take pride in this direct way of returning value to members of our cooperative.

Have you started an application yet?



We start the conversation with you about your goals, and we have the products to help you reach them.”

Choose the flavor that fits your goals.


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